Another Obamacare co-op folds
Finding out what’s in it: New Jersey’s Obamacare co-op has been taken over by the state and will fold in 2017.
As noted at the link, “that leaves just six of the original 23 Obamacare co-ops in operation next year.”
In other words, Obamacare is steadily going bankrupt, and in the process it is bankrupting the health insurance business. Before the law, it was possible for individuals to buy at a somewhat reasonable price a catastrophic insurance plan that would cover you in case of disaster but required you to pay for most of your routine health care costs. Obamacare outlawed those plans (obviously, someone was lying when he said you could keep your plan if you liked it). The result however is that everyone is forced to buy at very unreasonable prices the equivalent of those same plans, since both premiums and deductibles have risen so much that everyone now has to pay for routine health care costs.
Obviously, this means we should all vote for Hillary Clinton and the Democrats, because they more than anyone else know how to solve the problem they created. Obviously, voting for the Republicans, who predicted this disaster in great detail and with remarkable accuracy, would be a mistake, a clear demonstration of racism or something. And we wouldn’t want to be called racist by Democrats, would we?
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Finding out what’s in it: New Jersey’s Obamacare co-op has been taken over by the state and will fold in 2017.
As noted at the link, “that leaves just six of the original 23 Obamacare co-ops in operation next year.”
In other words, Obamacare is steadily going bankrupt, and in the process it is bankrupting the health insurance business. Before the law, it was possible for individuals to buy at a somewhat reasonable price a catastrophic insurance plan that would cover you in case of disaster but required you to pay for most of your routine health care costs. Obamacare outlawed those plans (obviously, someone was lying when he said you could keep your plan if you liked it). The result however is that everyone is forced to buy at very unreasonable prices the equivalent of those same plans, since both premiums and deductibles have risen so much that everyone now has to pay for routine health care costs.
Obviously, this means we should all vote for Hillary Clinton and the Democrats, because they more than anyone else know how to solve the problem they created. Obviously, voting for the Republicans, who predicted this disaster in great detail and with remarkable accuracy, would be a mistake, a clear demonstration of racism or something. And we wouldn’t want to be called racist by Democrats, would we?
Readers!
My annual February birthday fund-raising drive for Behind the Black is now over. Thank you to everyone who donated or subscribed. While not a record-setter, the donations were more than sufficient and slightly above average.
As I have said many times before, I can’t express what it means to me to get such support, especially as no one is required to pay anything to read my work. Thank you all again!
For those readers who like my work here at Behind the Black and haven't contributed so far, please consider donating or subscribing. My analysis of space, politics, and culture, taken from the perspective of an historian, is almost always on the money and ahead of the game. For example, in 2020 I correctly predicted that the COVID panic was unnecessary, that the virus was apparently simply a variation of the flu, that masks were not simply pointless but if worn incorrectly were a health threat, that the lockdowns were a disaster and did nothing to stop the spread of COVID. Every one of those 2020 conclusions has turned out right.
Your help allows me to do this kind of intelligent analysis. I take no advertising or sponsors, so my reporting isn't influenced by donations by established space or drug companies. Instead, I rely entirely on donations and subscriptions from my readers, which gives me the freedom to write what I think, unencumbered by outside influences.
You can support me either by giving a one-time contribution or a regular subscription. There are four ways of doing so:
1. Zelle: This is the only internet method that charges no fees. All you have to do is use the Zelle link at your internet bank and give my name and email address (zimmerman at nasw dot org). What you donate is what I get.
2. Patreon: Go to my website there and pick one of five monthly subscription amounts, or by making a one-time donation.
3. A Paypal Donation or subscription:
4. Donate by check, payable to Robert Zimmerman and mailed to
Behind The Black
c/o Robert Zimmerman
P.O.Box 1262
Cortaro, AZ 85652
You can also support me by buying one of my books, as noted in the boxes interspersed throughout the webpage or shown in the menu above.
I was not being sarcastic with my comment on another post:
http://behindtheblack.com/behind-the-black/points-of-information/the-people-directly-hurt-by-obamacare-rises/#comment-928602
I am one of those scofflaws who is currently gaming the system by not buying health insurance until I get old enough to start getting sick. Why the hell should I pay a couple of hundred thousand dollars, over the years, for insurance that I do not yet need, that does not cover my needs (routine doctor visits) and barely covers catastrophic care? (If I were still in my twenties, I probably could save a good half million by not paying Obamacare premiums before needing care that would make the premium payments worth paying.)
Frankly, Obamacare has raised healthcare to such high levels that I have to choose between buying health insurance that I don’t yet need and buying food that I do need. Before Obamacare, I would buy the inexpensive catastrophic care, even while unemployed, because I could afford that and food and mortgage payments (I have since paid off my mortgage). Right now, Obamacare costs almost as much as my previous insurance and my (previous) mortgage combined! And the deductible is twice what it was for my previous, affordable catastrophic-insurance policy.
Obama promised that we would save $2,500 on his Obamacare, but I am saving far more than that — by not buying Obamacare insurance.
Frankly, if Obamacare’s preexisting-conditions provision is such a good idea for healthcare insurance, then why is it a bad idea for other kinds of insurance? If the Obamacare mandate is such a good idea, then why are we not also mandated to buy policies of every kind of insurance?
These aren’t really rhetorical questions. I would appreciate it if someone, such as an Obamacare supporter, would answer them.